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Barry Goldwater

An Alternative to Traditional Long Term Care Planning

An Alternative to Traditional Long Term Care Planning

Written By: Barry Goldwater in Newton, MA The way we think about our health is extremely interesting in a denial sort of way. There is a very large pod of people who practice some of the unhealthiest lifestyles and who believe nothing adverse will affect their health moving forward. This is why greater than half the population in overweight and many of them detrimentally so even though there is evidence reported every week that asserts that practically every disease can be controlled by weight loss...

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Financial Priorities: Create a Tax Deduction to Fund Income, Legacy, and Philanthropy (Case Study #3)

Financial Priorities: Create a Tax Deduction to Fund Income, Legacy, and Philanthropy (Case Study #3)

Written By: Barry Goldwater in Newton, MA How would you like to be able to do this for your family: create income with low tax burdens, leave a legacy to your family, and support philanthropic endeavors? This article describes the process and the strategy that provides all three benefits at the same time. Fortunately, there are ways for everyone to take advantage of the principals of charitable giving provided that you have saved well and you are now are in a position to reorient that...

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Create a Tax Deduction and Re-characterize Your Traditional IRA to a ROTH: Case Study #2

Create a Tax Deduction and Re-characterize Your Traditional IRA to a ROTH: Case Study #2

Written By: Barry Goldwater in Newton, MA This is the continuation of the financial priorities theme to my posting last week (Re-Characterizing a Traditional IRA to a Roth). This is a very important tax question for everyone moving into retirement; How can one use philanthropy to create a tax deduction and then use that tax deduction to re-characterize a traditional IRA to a ROTH IRA? Go back with me to last week and in summary: Selling Appreciated Land. Husband and wife in their 70s have...

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Re-Characterizing a Traditional IRA to a Roth

Re-Characterizing a Traditional IRA to a Roth

Written By: Barry Goldwater in Newton, MA As a planner, I talk to people every day about financial priorities. It’s the usual stuff; retirees who need income, people changing jobs want to understand rollovers, young families wanting life insurance. Financial priorities are where you are right now in your life and they usually change as you live longer. Whatever your financial priority, you still need the right strategy creatively getting you to where you need to go. I say creatively, because there is always more...

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Annuities Explained

Annuities Explained

Barry Goldwater, Founder of Goldwater Financial Group, has produced an insightful video containing an overview of annuities.  He describes the fact that many people are uninformed about the unique benefits of annuities and describes why many refer to annuities as “sleep insurance”. Click here (Annuities Explained) to watch his educational video. To see more educational articles from Barry, click on the following link (Barry Goldwater). Was this article helpful to you?  If so, please click on the Social Media icons on the right side of...

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Why Every Small Business Owner Needs to Consider 412E3 Retirement Plans

Why Every Small Business Owner Needs to Consider 412E3 Retirement Plans

Written By: Barry Goldwater | Goldwater Financial Group A study entitled “Financial Viability and Retirement Assets: A Look at Small Business Owners and Private Sector Workers,” done by the advocacy department of the Small Business Administration found that smaller and more financially vulnerable business owners (those with fewer than 25 workers) have less invested in retirement assets than their larger or financially stronger peers. The percentage of self-employed business owners with retirement plans is surprisingly low. Another report conducted by Jules Lichtenstein of the office...

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Future Income IRA: Income You Cannot Outlive

Future Income IRA: Income You Cannot Outlive

Written By: Barry Goldwater | Goldwater Financial Group It use to be that you got a job with a U.S. company, worked for that company most of your life and then retired with a company pension and social security. This double annuity income was usually enough for a comfortable retirement. Then in the 1970’s companies started shifting retirement planning responsibility to the employee in the form of 401k plans, IRA’s, profit sharing plans. The company defined benefit plans, conservative annuity payouts which were usually comprised...

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